Who is Acima Credit? Acima Credit provides a flexible and creative alternative to traditional consumer lending. Our No-Credit-Needed lease program provides a lease option where eligibility is not based solely on credit, so you can take home what you need today.


Why use Acima?

-No Credit Needed, your fico score will not be impacted

-Get approved up to $5,000

-$50.00 initial payment

-90-day early purchase option (3-month purchase option in California).

-This option lets you purchase the merchandise for the Acima Cash Price price plus the initial payment and a small buyout fee, which varies state-to-state, but is generally $25.

-Easy payments over 12 months or buyout early at anytime during your agreement.

-Acima reports your lease activity to Experian to help build your credit.


What do I need to apply?

  1. Be 18 years old or older.
  2. Have an active checking account with at least $1,000 of income per month.
  3. Have at least three months of income history with your current source of income.
  4. Have a government-issued photo ID and a social security number or ITIN.

If you’ve got all those things, great! Fill out the application, Get pre-approved and we’ll let you know within seconds if you’re approved!


How to make a purchase with Acima.

– Click on Get pre-approved and submit an application.

– Go shopping: Once approved, select the items you want within your Acima spending limit

  • Once you’ve selected your merchandise, Call (708) 386-3366 to complete your order.
  • A $50.00 initial payment is required on all new Acima lease agreements.


Have Questions about Acima?  Visit Frequently Asked Questions.

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